Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation and lodging needs

Accident insurance is insurance that provides compensation for accidental injury or death. … Accident insurance covers death, dismemberment, loss of sight, loss of income, and medical expenses caused by accidental injury. Accident insurance is insurance that provides compensation for accidental injury or death

Your accident protection plan can help you pay for everything due to the accident including covered including doc visits, physical therapy, etc.

These types of plans have nothing to do with your health insurance coverage.  They are in addition to that coverage so they will pay out money to you whether you have health insurance or not.  Most plans do have a deductible to meet.  This usually depends on the amount of accident coverage that you purchase.  They can start at about $100 to $250 per incident.

So let’s say you are working at home and you slip on the tile floor, fall and break your arm.  You would use your health insurance plan AND your accident plan.  Most of the health insurance plans have a deductible to meet so this extra coverage could help you pay for expenses related to the accident.


Critical illness insurance is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.  This would be a stand-alone policy.

Critical Illness can be built into many Life Insurance policies.  These are beneficial for the policy holder because you can draw money off of your life insurance when a critical illness occurs.

Just had a good friend of mine who had cancer and she had purchased a small 5,000 policy that had cost her less than $8.00 a month.  She developed cancer and received her 5,000.  What a blessing!


Hospital Indemnity insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy.

These type of plans can be used like a disability policy.

Let’s say you are admitted to the hospital.  You may be paid a benefit amount for that admission.  You may be paid a benefit amount for each day you are in the hospital.  If a surgery is performed while you are in the hospital, you may be paid a benefit amount for the surgery.